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Federal Home Loan Banks

This Combined Financial Report provides financial information on the Federal Home Loan Banks.

Investors should use this home loan lendershome loan calculator Combined Financial Report with other information provided by theFederal Home Loan Banks when considering whether or not to purchase Federal Home Loan Bankconsolidated bonds and consolidated usda home loan discount notes (collectively referred to as consolidatedĀ obligations).

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Consolidated obligations are the joint and several obligations of all Federal Home Loan Banks, even

though each Federal Home Loan Bank is a separately home equity loan chartered entity with its own board of directors

and management. This means that each individual Federal Home Loan Bank is responsible for the

payment of principal and interest on all best home loan ratesĀ getting a home loan

consolidated obligations issued by the Federal Home Loan

Banks. There is no centralized, system-wide management or oversight by a single board of directors

of the Federal Home Loan Banks.

Federal Home Loan Bank consolidated obligations are not obligations of the United States and

are not guaranteed by either the United States or home loan refinance any government agency.

The Securities Act of 1933, as amended, does not require home loans the registration of consolidated

obligations; therefore, no registration statement apply for home loan has been filed with the U.S. Securities and

Exchange Commission. Neither the U.S. Securities and Exchange Commission, nor the Federal

Housing Finance Agency, nor any state securities commission has approved or disapproved of

these securities or determined if this report is truthful or complete.

Carefully consider the risk factors provided in this Combined Financial Report. Neither the

Combined Financial Report nor any offering material provided on behalf of the Federal Home Loan

Banks describes all the risks of investing in Federal Home Loan Bank consolidated obligations.

Investors should consult with their financial and legal advisors about the risks of investing in these

consolidated obligations.

This Combined Financial Report is available on the Federal Home Loan Banks Office of Finance

web site at www.fhlb-of.com. This web site address is provided as a matter of convenience only,

and its contents are not made part of this report and are not intended to be incorporated by

reference into this report.

Investors should direct questions about Federal Home Loan Bank consolidated obligations or the

Combined Financial Report to the Federal Home Loan Banks Office of Finance at (703) 467-3600.

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